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Chase Freedom Unlimited vs The Platinum Card® from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Freedom Unlimited is a great cash back credit card for everyday purchases. How does it compare to American Express Platinum, a travel and airline charge card? Read our comparison chart below.

Charge Card vs Credit Card: Chase Freedom Unlimited is a credit card while The Platinum Card® from American Express is a charge card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 Read Chase Freedom Unlimited ReviewApply Now
 

Chase Freedom Unlimited

The Platinum Card® from American Express

 Personal Credit CardPersonal Charge Card
 

Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 15 monthsN/A
Introductory APR for Balance Transfers0% introductory APR for 15 monthsN/A
Purchase APR17.24% to 25.99% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR17.24% to 25.99% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction Fee3% of each transaction in U.S. dollarsNo foreign transaction fee
Annual Fee$0 annual fee$550 annual fee
 Terms Apply. See Rates & Fees
 

Card Rewards & Benefits

Introductory Bonus Cash BackEarn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases. 
Introductory Bonus Offer Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Cash Back RewardsEarn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases. 
Travel Rewards Travel Rewards
Airline Rewards 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
Hotel Rewards 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Point Rewards Earn 1 point for virtually every dollar spent.
Airline Status $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Terms Apply.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
Hotel Status Enroll for complimentary Marriott Bonvoy Gold Status.
Enroll for complimentary Hilton Honors Gold Status.
Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property. Terms Apply.
Airline Transfer Partners Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Double Cash Back
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Pros:
  • Travel benefits
  • 60,000 bonus points after you spend $5000 in first 3 months
  • Concierge service
Cons:
  • $550 annual fee
Bottom LineGreat cash back credit card for everyday purchases... Read full reviewExcellent charge card for frequent travelers... Read full review
 Read Chase Freedom Unlimited ReviewApply Now
What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    Disclaimer: The information for the Chase Freedom Unlimited has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Chase Freedom Unlimited: Pricing information including interest rates, benefits and fees was obtained on August 23, 2019 from published websites and is believed to be accurate, but not guaranteed.


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    Compare Chase Freedom Unlimited to:

    Capital One Quicksilver

    Capital One® Quicksilver® Cash Rewards Credit Card

    Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% intro on purchases for 15 months
    0% intro on balance transfers for 15 months
    16.24% - 26.24% (Variable)
    Annual Fee
    $0
    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    18.24% - 25.24% Variable
    Annual Fee
    $95
    Capital One Venture

    Capital One® Venture® Rewards Credit Card

    Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.99% - 25.24% (Variable)
    Annual Fee
    $0 intro for first year; $95 after that

    Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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    Compare American Express Platinum to:

    American Express Gold

    American Express® Gold Card

    Introductory Bonus OfferAirline RewardsPoint RewardsGrocery Rewards
    Annual Fee
    $250
    American Express Business Platinum

    The Business Platinum® Card from American Express

    Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline Rewards
    Annual Fee
    $595
    Blue Cash Preferred

    Blue Cash Preferred® Card from American Express

    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% on purchases for 12 months
    0% on balance transfers for 12 months
    14.99% - 25.99% Variable
    Annual Fee
    $95

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    About CreditDonkey®
    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.